East Dubuque Savings Bank in Dubuque, Iowa (IA), IL
Overview, Financial Summary, Detailed Financial Reports, Branches

  • East Dubuque Savings Bank in Dubuque, Iowa (IA), IL
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East Dubuque Savings Bank - Overview

  • General
  • FDIC Certificate #: 5733
    Status: Active
    Federal Reserve ID: 913838
    Bank Holding Company (Regulatory Top Holder): East Dubuque Bancshares, Inc. (RSSDID: 2121310, Location: East Dubuque, IL)
    Date Established: December 05, 1891
    WWW: http://www.edsb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: Yes)
    OTS Docket #: 16434
    FDIC's unique #: 3908
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 21, 2010
    Last Structure Change Process Date: July 29, 2010
    Last Data Update: July 29, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 475 Cedar Cross Road, Dubuque, IA 52003
    County: Dubuque
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Dubuque, IA (#2200)
    Core Based Statistical Area (CBSA): Dubuque, IA (#20220)
    CBSA Metro Statistical Area: Dubuque, IA (#20220)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $164.9 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $132.6 mil
    Return on assets (ROA): 0.62% ($1.0 mil)
    Quarterly return on assets: -0.10% (-$0.2 mil)
    Return on Equity (ROE): 7.34% ($1.1 mil)
    Quarterly return on equity: -1.09% (-$0.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.64% ($1,055.1 mil)
    Quarterly Pretax return on assets: -0.11% (-$181.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 46Total employees (full-time equivalent)
  • $164,853Total assets
  • $3,630Cash and due from depository institutions
  • $0Interest-bearing balances
  • $23,709Securities
  • $4,782Federal funds sold & reverse repurchase agreements
  • $121,630Net loans & leases
  • $2,258Loan loss allowance
  • $0Trading account assets
  • $3,042Bank premises and fixed assets
  • $1,247Other real estate owned
  • $110Goodwill and other intangibles
  • $164,853Life insurance assets
  • $6,703All other assets
  • $149,856Total liabilities and capital
  • $132,568Total liabilities
  • $115,156Total deposits
  • $132,568Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 919.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,000Trading liabilities
  • $1,450Other borrowed funds
  • $2,919Subordinated debt
  • $14,997All other liabilities
  • $14,997Total equity capital
  • $14,997Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,235Surplus
  • $9,162Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,602Income earned, not collected on loans
  • $0Earning assets
  • $709Long-term assets (5+ years)
  • $150,121Average Assets, year-to-date
  • $23,012Average Assets, quarterly
  • $170,304Volatile liabilities
  • $164,166Insider loans
  • $127,760FHLB advances
  • $166,237Loans and leases held for sale
  • $4,283Unused loan commitments
  • $3,866Tier 1 (core) risk-based capital
  • $14,831Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $417Total unused commitments
  • $14,179Restructured Loans and leases
  • $7,622Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,648Total interest income
  • $2,758Total interest expense
  • $5,890Net interest income
  • $575Provision for loan and lease losses
  • $799Total noninterest income
  • $0Fiduciary activities
  • $237Service charges on deposit accounts
  • $0Trading account gains & fees
  • $562Additional noninterest income
  • $5,172Total noninterest expense
  • $3,080Salaries and employee benefits
  • $681Premises and equipment expense
  • $1,411Additional noninterest expense
  • $942Pre-tax net operating income
  • $153Securities gains (losses)
  • $38Applicable income taxes
  • $1,057Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,057Net income attributable to bank
  • $0Net charge-offs
  • $1,057Cash dividends
  • $1,196Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 0.53%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 7.34%Return on equity (ROE)
  • 7.34%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 48.08%Credit loss provision to net charge-offs
  • 1.27%Efficiency ratio
  • 76,887Assets per employee
  • 3.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 62.69%Noncurrent assets plus other real estate owned to assets
  • 2.94%Noncurrent loans to loans
  • 2.91%Net loans and leases to deposits
  • 91.75%Net loans and leases to core deposits
  • 100.45%Equity capital to assets
  • 9.10%Core capital (leverage) ratio
  • 8.92%Tier 1 risk-based capital ratio
  • 11.61%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $170,304Average earning assets
  • $14,403Average equity
  • $156,975Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2359060East Dubuque Branch242 Wall Street, East Dubuque, IL 61025January 03, 2000Full Service Brick and Mortar
  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03908East Dubuque Savings Bank475 Cedar Cross Road, Dubuque, IA 52003December 05, 1891Full Service Brick and Mortar

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